How to Protect Your Workers' Comp Benefits If You’re Moving Out of State

Moving to a new state can be an exciting adventure, but for individuals receiving workers’ compensation benefits, it can also bring a layer of complexity. Workers’ comp is designed to provide medical care and wage replacement for injuries sustained on the job, but benefits are governed by state-specific laws. If you’re considering moving out of state, it’s crucial to understand how it could impact your claim and what steps you can take to protect your benefits.

Understand the Rules in Your Current State

Workers’ compensation benefits are administered at the state level. This means the rules, payment structures, and eligibility requirements vary depending on where you live. Before relocating, familiarize yourself with the laws in your current state to understand your rights and obligations. Knowing whether your benefits continue while you live elsewhere is key to preventing interruptions in payments.

Notify Your Employer and the Insurance Carrier

Communication is essential. Inform your employer and the workers’ compensation insurance carrier about your planned move as soon as possible. Providing accurate contact information ensures that all correspondence reaches you promptly and avoids delays in your benefits. Failure to update your information could lead to missed medical appointments or checks, potentially jeopardizing your claim.

Consult a Colorado Workers’ Compensation Attorney

If you have a claim that might be affected by a cross-state move, speaking with a Colorado workers’ compensation attorney can be invaluable. Our experienced attorneys can:

• Explain how Colorado laws interact with your existing claim
• Help you navigate the process of continuing benefits from out of state
• Advocate on your behalf if disputes arise over payments or medical treatment

Legal guidance ensures you take the correct steps to protect your rights during this transition.

Coordinate Medical Care in Your New State

Workers’ compensation claims often require regular medical treatment. If your relocation makes it difficult to see your original treating physician, discuss alternative arrangements with your insurance provider and your attorney. Many states allow continuation of care with an approved medical provider in your new location, but prior authorization is usually required to ensure coverage.

Keep Detailed Records

Maintaining thorough documentation of your injury, treatments, communications, and benefits is essential. This becomes even more critical when you move out of state. Keeping records organized helps you respond quickly to requests from your employer, insurance carrier, or attorney and provides proof of ongoing medical needs and wage loss if disputes arise.

Know Your Rights Regarding Benefits Termination

It’s important to understand that your benefits can’t be arbitrarily terminated because of a move. However, failure to follow proper procedures, attend medical appointments, or communicate changes can lead to a suspension or reduction of benefits. Consulting a Colorado workers’ compensation attorney ensures that you understand your rights and obligations, minimizing the risk of losing benefits due to relocation.

Protect Your Benefits Before You Move with Help From a Colorado Workers’ Compensation Attorney

Relocating out of state while receiving workers’ compensation benefits can be challenging, but it doesn’t have to put your claim at risk. By staying informed, notifying all relevant parties, coordinating care, keeping detailed records, and seeking legal guidance from a Colorado workers’ compensation attorney, you can protect your benefits and ensure a smooth transition to your new home. Schedule your free initial consultation today!